KR100610224B1 - Method and system for credit card payment using mobile credit authorization termianl - Google Patents

Abstract

The present invention relates to a credit card payment method and system using a wireless credit card inquiry machine. The present invention provides a credit card payment method comprising the steps of: (a) receiving a payment request from a mobile communication terminal and receiving payment data through an RF interface in a wireless credit card inquiry machine; (b) inputting an identification number for the management server in the wireless credit card inquiry and transmitting the identification number and payment data to the management server through the residential gateway; (c) checking the identification number at the management server to transmit the payment data through the financial settlement network and receive the approval data; (d) transmitting, at the management server, the authorization data to the wireless credit card inquiry through the residential gateway; And (e) outputting a sales slip by using the authorization data in the wireless credit card inquiry system. According to the present invention, it is possible to provide a convenient and fast credit card payment service by building a credit card payment system using a wireless credit card inquiry machine and a residential gateway.

Wireless credit card reader, residential gateway, credit card, payment, IC card, mobile network

Description

Credit card payment method and system using wireless credit card checker {METHOD AND SYSTEM FOR CREDIT CARD PAYMENT USING MOBILE CREDIT AUTHORIZATION TERMIANL}

1 is a view showing the configuration of a system for credit card payment using a wireless interface according to an embodiment of the present invention,

2 is a flowchart illustrating a credit card payment method using a wireless interface according to a preferred embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

100: credit card payment system 110: mobile communication terminal

120: wireless credit card query 130: residential gateway

140: mobile communication network 150: management server

160: financial settlement network 170: financial institution server

The present invention relates to a credit card payment method and system using a wireless credit card inquiry machine. More specifically, the wireless credit card checker receives the payment data of the mobile communication terminal equipped with the IC chip and transmits it to the management server through the residential gateway, and the management server transmits the payment data through the financial payment network and authorizes the data. The present invention relates to a credit card payment method and system using a wireless credit card inquiry system that receives a transmission, transmits authorization data from a management server to a wireless credit card inquiry system through a residential gateway, and notifies an approval result to a mobile communication terminal.

A credit card is usually an identification card made of a plastic material issued by a bank or a large store. The credit card user pays for the goods purchased by the user of the credit card or receives a service fee, or a cash dispenser (CD). Used to withdraw cash from the back.

In general, a magnetic type credit card is generally used. In the magnetic type, information such as identification information and password of a credit card user is stored in a magnetic stripe of a credit card. . However, since the credit card of the magnetic type is used as a contact type, the card is easy to be damaged and there is a problem that the security is inferior because of the easy copying.

In order to solve this security problem, the EMV (Europay, Mastercard, and VISA) standards have been introduced as a standard for IC chip-based credit transactions. The characteristics of the EMV transaction are credit cards based on the IC chip, and a key set that can authenticate a credit authentication terminal (CAT) at the time of issue, a key set that can authenticate an IC chip, and a key set that can authenticate a transaction approval server. PKI-based initial creation and sharing, respectively, by maximizing the security of credit card transactions by sending and receiving signed data using each key when the transaction is approved. In addition, IC chip is impossible to modify because chip serial number (CSN) is ROMMASK at the time of manufacture, and logical replication is impossible.

Meanwhile, home network technology has been commercialized due to the development of network technology. The home network is a network that can install and control residential gateways for connecting to various external communication networks and connect and control computers and various electronic devices in homes or offices to residential gateways. Residential gateways include a network interface that can accommodate a variety of networks such as Bluetooth, Ethernet, and IEEE 1394, and support various connection methods such as Asymmetric Digital Subscriber Line (ADSL), cable, public telephone network, and satellite. It is common to mount a service platform such as Open Service Gateway Initiative (OSGi) to operate a service based on this. Mobility can be given to CAT by connecting a payment device such as CAT to the network interface using a wireless network such as Bluetooth or ZigBee.

In addition, by upgrading the software module for payment to CAT equipment and home gateway equipment using the OSGi platform, it can be configured to support a variety of new payment methods, such as EMV payment, micropayment.

In order to solve this problem, the present invention receives the payment data of the mobile communication terminal equipped with the IC chip in the wireless credit card inquiry machine and transmits to the management server through the residential gateway, and the payment data from the management server to the financial payment network It provides a credit card payment method and system using a wireless credit card query machine that transmits the authorization data, receives the authorization data, and transmits the authorization data from the management server to the wireless credit card inquiry through the residential gateway and notifies the mobile terminal to the approval result. For the purpose of

According to a first object of the present invention, a mobile communication terminal having an integrated circuit (IC) chip storing credit card information, a mobile credit authorization terminal for credit card inquiry and payment, credit card payment and A credit card payment method of a system including a residential gateway for relaying authorization data and a management server connected to a financial settlement network and controlling and managing the residential gateway, the method comprising: (a) at the wireless credit card inquiry machine; Receiving a payment request from the mobile communication terminal through an RF interface and receiving payment data; (b) inputting an identification number for the management server in the wireless credit card inquiry machine and transmitting the identification number and the payment data to the management server through the residential gateway; (c) checking the identification number at the management server to transmit the payment data through the financial settlement network and receive approval data; (d) transmitting, at the management server, the authorization data to the wireless credit card inquiry through the residential gateway; And (e) outputting a sales slip using the authorization data in the wireless credit card inquiry system.

According to a second object of the present invention, in a system for providing a credit card payment service to a mobile communication terminal having an IC chip storing credit card information, the payment data is received by receiving the payment request of the mobile communication terminal through an RF interface. A wireless credit card inquiry device for receiving and inputting a management server identification number and receiving authorization data for the payment request and outputting a sales slip; Receive the management server identification number and the payment data from the wireless credit card inquiry machine to confirm the identification number and to transmit the payment data to the financial settlement network, and to receive the authorization data from the financial settlement network to receive the wireless credit A management server for transmitting to the card lookup; And receiving the management server identification number and the payment data from the wireless credit card inquiry machine and transmitting the received authorization data to the management server, and relaying the data to receive the authorization data from the management server and transmit the data to the wireless credit card inquiry machine. It provides a credit card payment system comprising a gateway.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First of all, in adding reference numerals to the components of each drawing, it should be noted that the same reference numerals are used as much as possible even if displayed on different drawings. In addition, in describing the present invention, when it is determined that the detailed description of the related well-known configuration or function may obscure the gist of the present invention, the detailed description thereof will be omitted.

1 is a diagram showing the configuration of a system for credit card payment using a wireless interface according to an embodiment of the present invention.

As shown in FIG. 1, the system 100 for credit card payment using a wireless interface according to a preferred embodiment of the present invention includes a mobile communication terminal 110, a wireless credit card inquiry machine 120, and a residential gateway 130. ), A mobile communication network 140, a management server 150, a financial settlement network 160, a financial institution server 170, and the like.

The mobile communication terminal 110 is a terminal capable of performing a credit card payment by mounting an IC chip (also referred to as a smart card) storing credit card information such as a credit card number, an expiration date, and a subscriber's name. The mobile terminal 110 provides a payment menu for payment, selects a payment method such as credit card, electronic money, mobile phone payment from the payment menu, requests a payment from the wireless credit card inquiry machine 110, and uses an IC chip. Send the payment data stored in. The mobile terminal 110 transmits payment data to the wireless credit card inquiry machine 110 in a contactless manner through the RF interface, and supports the ISO-14443 standard as an RF interface. Here, the payment data is transmitted to the Mobile CAT device through the smart card attached to the terminal and the transmitted data is transmitted to the home gateway so that the home gateway can obtain transaction approval through communication with the server.

The mobile communication terminal 110 may be a personal digital assistant (PDA), a cellular phone, a personal communication service (PCS) phone, a hand-held PC (GPS), a global system for mobile (GSM) phone, a wideband CDMA (WCDMA) phone. And various wireless communication terminals such as Code Division Multiple Access (CDMA) 2000 phones and Mobile Broadband System (MBS) phones. Here, MBS phone refers to a mobile communication terminal to be used in the fourth generation system that is currently discussed.

The wireless credit card inquiry machine 120 provides an interface function with an external payment medium. Here, the external payment medium may be a mobile communication terminal with the aforementioned smart card, a general contact or contactless smart card, an electronic money card, an RFID, and the like. The mobile terminal 110 receives payment request through the RF interface, receives payment data, inputs an identification number for identifying the management server 150, and transmits the identification number and payment data to the residential gateway 130. In addition, the wireless credit card inquiry machine 120 receives the approval data for the payment request from the residential gateway 130 and outputs a sales slip to be provided to the user of the mobile communication terminal 110. To this end, the wireless credit card inquiry machine 120 may be configured to include an RF receiver, a key input unit, a screen display unit, a microprocessor, a sales slip output unit, and a memory, although not illustrated in a separate drawing.

The residential gateway 130 generally serves to connect electronic devices of a home or office to an external communication network in a home network environment. In the present invention, the residential gateway 130 is wirelessly connected to the wireless credit card inquiry machine 120 to provide a financial settlement network ( To provide a connection passage with 160. The residential gateway 130 receives the management server identification number and payment data from the wireless credit card inquiry machine 120 and transmits it to the management server 150, and transmits the approval data approved by the financial institution server 170 to the management server 140. Data to be transmitted to the wireless credit card query 130.

The residential gateway 130 may use the Zigbee protocol according to the IEEE 802.15.4 standard among IEEE 802.15, which is a standard for wireless personal area networks (WPANs), for data exchange with the wireless credit card inquiry machine 120. Can be. Zigbee can communicate within a radius of about 30 m, supports a point-to-multipoint method, and supports speeds of about 250 Kbps. Of course, the interface to the wireless credit card inquiry machine 120 is not limited to Zigbee, and other wireless interface methods such as Bluetooth and WLAN may be applied as necessary. In addition, the residential gateway 130 may be connected to the management server 140 through a wired interface such as Ethernet or the mobile communication network 140.

Residential gateway 130 is an OSGi-based open gateway is configured to support a variety of interfaces and network connections. That is, the residential gateway 130 may support interfaces such as Ethernet, RS-232, Universal Serial Bus (USB), WLAN, Zigbee, and the like, and a TCP / IP based network such as the Internet, LnCP (Living Network Control Protocol) based network can be supported.

The mobile communication network 140 is an embodiment for connecting the residential gateway 130 and the management server 140, and is a preferred embodiment for providing a credit card payment service associated with the mobile communication service. The mobile communication network 140 transmits and receives a radio signal and may include a base station transmitter, a base station controller, a mobile communication switching center, and a data core network (DCC).

The mobile communication network 140 includes an Interim Standard (IS) -95 network, a Global System for Mobile (GSM) network, a Code Division Multiple Access (CDMA) 2000 1X network, a CDMA2000 3X network, and a CDMA2000 Evolution-Data only (EV-DO) network. It may include a Wideband CDMA (WCDMA) network and a Wireless Broadband Internet (WiBro) network.

The management server 150 is connected to the financial settlement network 160 and performs a function of controlling and managing the residential gateway 130 and providing additional applications as necessary. The management server 150 receives the management server identification number and payment data transmitted from the wireless credit card inquiry machine 120 through the residential gateway 130 to confirm the identification number and transmits the payment data to the financial settlement network 160. Request payment. The management server 150 receives the approval data from the financial settlement network 160 when the financial institution server 170 approves the payment, and transmits the approval data to the wireless credit card inquiry machine 120 through the residential gateway 130. In addition, the management server 150 stores the received authorization data on the server and performs the sales management and settlement function for each credit card affiliate store, and sends a short message including the credit card approval result to the mobile communication terminal 110 for the sales slip. Apart from the mobile communication terminal 110 to confirm the approval result.

The management server 150 may have a database for storing authorization data. The database has a general data structure implemented in a storage system (hard disk or memory) of a computer system by using a database management program (DBMS), and can freely search (extract), delete, edit, and add data. It has a data storage form.

The financial settlement network 160 is connected to the financial institution server 170 to perform a function of a connection path for transmitting and receiving financial information, the financial institution server 170 server is a number of VAN (Value for inquiry and payment of credit card) Added Network) Servers of companies, banks and credit card companies. The financial institution server 170 stores financial information such as a subscriber's bank account, credit card number, credit limit, and credit rating. The financial institution server 170 receives a payment request from the management server 150 to approve payment and generates approval data. It is transmitted to the management server 150 through the payment network 160.

The management server 150 and the financial institution server 170 described above are connected to an unspecified number of clients and / or other servers through an open computer network such as the Internet, and receive and perform work requests from clients or other servers. It may include a computer system for obtaining and providing a work result and a computer software (server program) installed therefor.

These servers can be implemented using server operating programs that are variously provided according to operating systems such as DOS, Windows, Linux, UNIX, Macintosh, etc. in general server hardware. Representative examples thereof include a website used in a Windows environment, a CERN, NCSA, and an APPACH used in an Internet Information Server (IIS) and a Unix environment.

2 is a flowchart illustrating a credit card payment method using a wireless interface according to a preferred embodiment of the present invention.

As shown in FIG. 2, when a user wishes to perform credit card payment in a mobile communication terminal 110 equipped with an IC chip in which credit card information is stored, payment of a credit card, electronic money, mobile phone payment, etc. is selected by selecting a payment menu. The desired decision method is selected among the methods (S200), and a payment request is made to the wireless credit card inquiry machine 120 through the RF interface (S202). The wireless credit card inquiry machine 120 having received the payment request transmits a signal for approving the payment request to the mobile communication terminal 110 (S204), and the mobile communication terminal 110 transmits the payment data stored in the IC chip to the wireless credit card. The query is sent to the inquiry device 120 (S206).

Thereafter, the wireless credit card inquiry machine 120 inputs the management server identification number so as to identify the management server 150 managing the affiliated store where the wireless credit card inquiry machine 120 is installed (S208), and the identification number. And the received payment data is transmitted to the residential gateway (130) (S210). The residential gateway 130 receives the identification number and payment data and transmits it to the management server 150 through a wired interface such as mobile communication network 140 or Ethernet (S212). The management server 150 checks the received identification number and confirms that it is a payment request of the wireless credit card inquiry machine 120 managed by the management server 150 and then transmits the payment data to the financial institution server 170 through the financial payment network 160. (S214).

Thereafter, the financial institution server 170 receiving the payment data approves the payment, generates the approval data, and transmits the approval data to the management server 150 through the financial payment network 160 (S216). The management server 150 stores and manages the received approval data and transmits the approval data to the residential gateway 130 (S218). The residential gateway 130 transmits the received authorization data to the wireless credit card inquiry machine 120 (S220), and the wireless credit card inquiry machine 120 prints the sales slip by using the received authorization data, and then the mobile communication terminal. 110 is provided to the user (S222). Meanwhile, at the same time as or after step S218, the management server 150 may transmit a short message including the payment approval result to the mobile communication terminal 110 so that the approval result may be confirmed in real time in the mobile communication terminal 110.

The above description is merely illustrative of the present invention, and those skilled in the art to which the present invention pertains may various modifications without departing from the essential characteristics of the present invention. Accordingly, the embodiments disclosed herein are not intended to limit the present invention but to describe the present invention, and the spirit and scope of the present invention are not limited by these embodiments. It is intended that the scope of the invention be interpreted by the following claims, and that all descriptions within the scope equivalent thereto shall be construed as being included in the scope of the present invention.

As described above, the present invention provides a wireless credit card payment service by receiving credit card information wirelessly from a mobile communication terminal using a wireless credit card inquiry machine and accessing a management server and a financial settlement network using a residential gateway. There is an effect that can be provided.

In addition, the present invention has the effect that it is possible to provide a convenient and fast credit card payment service through a dedicated network such as a mobile communication network or Ethernet rather than the conventional public switching network.

Claims (12)

Mobile communication terminal equipped with IC (Integrated Circuit) chip that stores credit card information, Wireless Credit Authorization Terminal for credit card inquiry and payment, Residential gateway for relaying credit card payment and authorization data Gateway), a credit card payment method of a system connected to a financial settlement network and including a management server for controlling and managing the residential gateway, (a) receiving a payment request from the mobile communication terminal and receiving payment data through an RF interface in the wireless credit card inquiry device; (b) inputting a user identification number for the management server in the wireless credit card inquiry machine and transmitting the identification number and the payment data to the management server through the residential gateway; (c) checking the identification number at the management server to transmit the payment data through the financial settlement network and receive approval data; (d) transmitting, at the management server, the authorization data to the wireless credit card inquiry through the residential gateway; And and (e) outputting a sales slip by using the authorization data in the wireless credit card inquiry system. The method of claim 1, wherein the method is (f) the management server further comprises the step of transmitting a short message containing the credit card approval result to the mobile communication terminal. The method of claim 1, The payment request of step (a) comprises a credit card payment method using a wireless credit card query, characterized in that the payment information including the credit card, electronic money and mobile phone payment selected by the mobile communication terminal. The method of claim 1, The RF interface of step (a) is a credit card payment method using a wireless credit card inquiry, characterized in that for supporting the ISO-14443 type. The method of claim 1, The credit card payment method using the wireless credit card query, characterized in that the wireless credit card query and the residential gateway transmits data between each other through the Zigbee protocol. The method of claim 1, The interface between the residential gateway and the management server is a credit card payment method using a wireless credit card query, characterized in that it comprises a mobile communication network or an Ethernet (Ethernet) interface. The method of claim 6, The mobile communication network includes an IS (Interim Standard) -95 network, a Global System for Mobile (GSM) network, a Code Division Multiple Access (CDMA) 2000 1X network, a CDMA2000 3X network, a CDMA2000 EV-DO (Evolution-Data only) network, and a WCDMA network. A credit card payment method using a wireless credit card inquiry system comprising at least one of a (Wideband CDMA) network and a WiBro (Wireless Broadband Internet) network. In a system for providing a credit card payment service to a mobile communication terminal having an integrated circuit (IC) chip that stores credit card information, Receiving payment data from the mobile terminal through an RF interface, receiving payment data, inputting a management server identification number, and receiving credit data for the payment request and outputting a sales slip (Mobile Credit Authorization) Terminal); Receiving the management server identification number and the payment data from the wireless credit card inquiry machine to confirm the identification number and to transmit the payment data to the financial settlement network, the authorization data from the financial settlement network to receive the wireless A management server for transmitting to a credit card query; And A residential gateway which receives the management server identification number and the payment data from the wireless credit card inquiry machine and transmits the authorization data to the management server, and relays the data to receive the authorization data from the management server and transmit the data to the wireless credit card inquiry machine. Credit card payment system comprising a (Residential Gateway). The method of claim 8, The management server credit card payment system, characterized in that for transmitting a short message containing a credit card approval result to the mobile communication terminal. The method of claim 8, The wireless credit card inquiry system and the residential gateway transmit data between each other through a Personal Area Network protocol including at least one of Bluetooth, ZigBee, and WLAN. The method of claim 8, The interface between the residential gateway and the management server comprises a mobile communication network or an Ethernet (Ethernet) interface. The method of claim 8, The interface supported by the residential gateway is a credit card payment system, characterized in that it includes Ethernet (Ethernet), RS-232, Universal Serial Bus (USB), Wireless LAN (WLAN) and Zigbee.

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